BUYING A HOME??

Purchasing your Own Home is the Best Investment you can Make! Both Financially and Building Memories with your Family and Friends!

I Can Help you with the Entire Process of Purchasing a Home from Education, Financing, Comfortable Monthly Payment, Finding your New Home, Appraisals, Home Inspections, Writing the Offer to the Delivery of Your Keys to Your New or Existing Home!!

*NOTE: If renting, scroll to the bottom of this page. What do you pay for rent??

Interest Rates are Still Excellent!!

Check out my Website for Finding Properties, Photos, Payment Calculator, Maps along with Additional Information to my favorite links.

Buying a home can be complex. That's why this site has been designed to be a resource to help you through the process and answer your questions. From helpful financing calculators to complete and thorough real estate information, you'll find it here.

Plus, the easy-to-use Property Search is a great tool to help you look for a new home. Over 15,000 properties are showcased, so you'll be sure to find something that is perfect for you. I can arrange a showing or answer questions on every property you see.

I'm will offer expert advice and market information on each property and assist you as you find and purchase the home of your dreams. To get in touch with me, simply click on the 'Contact Me' button or give me a call. It will be my pleasure to serve you. Thanks for visiting my Website!

Buying a Home is a Big Investment. Making the right decision makes a big impact on your future!!!

THINGS TO DO TO GET STARTED!!

Please make an appointment with me so I can educate you on the process before doing the items listed below.

CHOOSE A MORTGAGE LENDER: Online Mortgage shopping can be dangerous, ask me about this! All lenders offer different types of Mortgages. Conventional and FHA Loans are the most popular. You should also check to see if you qualify for any specials programs that are offered by the city, state or federal levels.

CHECK YOUR CREDIT: Credit Scores are important. Have the Mortgage Lender run your credit report-but please do not have more then 3 lenders check your credit - ask me about this. Your Credit Score is also known as FICO Scoring. It is a statisical method of assessing the credit risk of a loan applicant. It tells the lender how you paid back money borrowed. Request a copy from your lender. Check to see that it is accurate and fix any errors.

CHECK FOR THE BEST INTEREST RATE: Rates can vary from lender to lender. Call around about interest rates and what programs they have to offer. If you are a First Time Home Buyer - ask them about any incentives. Please, do not have them run your credit report until you have decided to borrow from them. Ask me about this.

CHECK THE LENGTH AND TERMS: Which kind of loan is right for you? There are a lot of options. Fixed rate means that you lock into an interest rate at the beginning of the loan and remains Fixed for the life of the loan. Adjustable loans means the rate can change throughout the life of the loan.

CHECK RATE PROTECTION: Interest rates can change daily. By “locking in”, it guarantees you the rate during the process of the loan. Floating means you have not lock in. Usually you do not "Lock In" an interest rate until after you have found the right home and have an accepted purchase agreement.

GET A GOOD FAITH ESTIMATE: This document covers all aspects of your mortgage agreement. The expected rate, discount points, closing costs, prepaid expenses, and what your payment is expected to be. Once locked in and finding the house you want to purchase, a GFE will give you a good idea of what your payment should be. This is only an estimate and can fluctuate some because the final numbers have not been determined.

TYPICAL MONTHLY PAYMENT: (P I T I)

P rincipal.......P & I = Money you borrow from your lender(at times you may have to pay mortgage insurance)

I nterest.......Interest on the money you borrow

T axes..........Taxes (Annual taxes divided by 12)

I nsurance......Homeowners Insurance

S pecials (Unpaid/Annual-If Any) (Annual payment divided by 12)

**NOTE: When looking at listings online - the Mortgage Calculator only figures your P I only. To figure out your payment you must add in T (taxes) & I (home owners insurance) and S (specials if there are any).

AFTER YOU HAVE YOUR FINANCING IN PLACE:

Call me and I will send you current listings in your price range. After you have decided on a price range and the requirments you would like in a home - we can start looking a homes!!!

WHAT DO YOU PAY FOR RENT???

$500 = 1 YEAR IS $6,000 AND 5 YEARS IS $30,000

$550 = 1 YEAR IS $6,600 AND 5 YEARS IS $33,000

$600 = 1 YEAR IS $7,200 AND 5 YEARS IS $36,000

$650 = 1 YEAR IS $7,800 AND 5 YEARS IS $39,000

$700 = 1 YEAR IS $8,400 AND 5 YEARS IS $42,000

$750 = 1 YEAR IS $9,000 AND 5 YEARS IS $45,000

$800 = 1 YEAR IS $9,600 AND 5 YEARS IS $48,000

ARE YOU READY FOR HOME OWNERSHIP AND THE START OF YOUR FUTURE INVESTMENT?? YOU DECIDE!!